What it does
EP 20 04 adds independent contractors working for the named insured as insureds under the EPL policy, for claims arising from their work for the insured as described in the endorsement.
It is an endorsement of ISO's stand-alone Employment-Related Practices Liability program and modifies the EPL coverage form (EP 00 01, or EP 00 02 where separate defense and indemnity limits are used). Forms lists show it available in most states, with state-specific versions where noted.
Who needs it
Businesses where contractors supervise or manage employees – for example contract managers, consultants acting as HR, or fractional executives.
Quoting and selling notes
- Pair with EP 01 18 if claims by contractors should also be covered.
- Confirm the contractor is not separately insured for the same exposure.
- Additional insureds share the limit.
